The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,558
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$302/mo
Today · 4.125%
HK$10,157
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,314/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,633
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$290/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,416/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$363/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,378/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,760
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$347/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,381
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$422/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$866/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,440/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,286
−HK$405/mo
Today · 4.125%
HK$15,691
baseline
▲ 0.50% · 4.625%
HK$16,518
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,382/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,205
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,740
−HK$543/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,140
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$521/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,237
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,435 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).